Michael Lawson

If you’re juggling multiple credit cards, personal loans or medical bills, debt consolidation might sound like a lifeline. Instead of managing several payments each month, you combine them into one single loan or payment. For many Americans, that simplicity is appealing. But debt consolidation isn’t always the right move for everyone. Here’s a clear look at the pros and cons of debt consolidation, plus what you should consider before moving forward. Debt consolidation means combining multiple debts into one...

Affordable housing generally means paying no more than 30% of your income on rent or mortgage payments. When housing costs exceed that, it can strain your budget and make it harder to afford essentials like food, transportation and healthcare. Thankfully, a mix of public programs, nonprofit organizations and private options exist to bridge the gap. Let's take a closer look at affordable housing resources for Americans. The U.S. Department of Housing and Urban Development (HUD) offers two cornerstone programs:...

Buying new car tires can feel overwhelming if you’re not sure what to look for. With so many sizes, brands and price points, it’s easy to overspend, or end up with tires that don’t fit your driving needs. Whether you’re replacing worn tires or upgrading for better performance, understanding the basics can help you make a smart, confident decision. Tires affect almost every aspect of driving, including safety, fuel efficiency, handling and ride comfort. The right set of tires...

Cruising has quietly become one of the most appealing ways for single travelers to explore the world. With accommodations designed for solo guests, curated social programming and the freedom to be as social—or as independent—as you like, today’s cruise landscape offers far more than the traditional image of family-packed ships and assigned dinner tables. From adults-only sailings to adventure-focused itineraries, these are the best cruise options for single travelers departing from or catering to the U.S. market. Virgin Voyages...

Flying business class can transform your travel experience. From spacious seats that recline into beds to priority boarding and fine dining at 30,000 feet, the upgrade makes a big difference. But for most travelers, the high price tag feels out of reach. Luckily, with some smart strategies, it’s possible to find business class tickets for much less than the sticker price. Here’s a practical guide to scoring affordable business class fares. The number one rule for cheap flights—business or...

With so much of life online, keeping track of dozens of unique passwords can feel overwhelming. Cybersecurity experts warn against reusing the same password, yet most people admit to doing it out of convenience. That’s where business password managers come in. These tools store all your logins in one secure place, help you generate stronger passwords and make signing in across devices easier. Below, we’ll look at some of the most popular business password managers available today. LastPass has...

When someone we love passes away, we’re often left searching for ways to keep their memory alive. Honoring a loved one doesn’t just pay tribute to who they were—it can also bring comfort and healing to those left behind. There’s no single “right” way to remember someone. What matters most is choosing something that feels personal and meaningful. Here are ten heartfelt ideas to honor a loved one after they pass away. One of the most powerful ways to...

Managing debt can feel overwhelming, especially if you’re juggling multiple credit cards, student loans or personal loans with different due dates and interest rates. One solution many Americans turn to is loan consolidation. By combining several debts into one, consolidation can simplify your finances and potentially save you money. Here’s what you need to know about how consolidation loans work and what your options are. Loan consolidation means rolling multiple debts into a single loan, ideally with a lower...